Mississippi Gym and Subscription Cancellation Letter
Cancel a gym membership or an auto-renewing subscription in Mississippi with a letter that builds in Mississippi law, including Health Spas (Miss. Code Ann. Title 75, Chapter 83). It runs in your browser; nothing you type is stored or sent.
Mississippi rules checked against primary sources on October 21, 2026.
Everything you type stays in your browser. Nothing is sent, saved, or added to the page address.
Only the reasons Mississippi law addresses for this kind of contract are listed.
Mississippi gym membership rules
The law: Health Spas (Miss. Code Ann. Title 75, Chapter 83). Read the law
Who it covers: The law covers for-profit establishments offering weight control, exercise or dieting services (reducing salons, spas, exercise gyms, health studios, health clubs), but not nonprofits such as the YMCA whose fitness role is incidental, self-defense schools, nonprofit schools and colleges, or any business that offers no contract longer than four months.
- Cooling-off period: You may cancel within five business days by written notice mailed or delivered by midnight of the fifth business day after purchase, and all money collected must be refunded. Source: Miss. Code Ann. 75-83-5(3)
- How the club must let you cancel: Written notice counts as given if mailed or delivered by midnight of the fifth business day; the required contract notice tells buyers to mail it to the spa's address. Source: Miss. Code Ann. 75-83-5(3)-(4)
- Disability or illness: Mississippi law requires health spa contracts to provide that if disability leaves you unable to receive the services, you are relieved of payments for services after the disability began and any unused prepaid amount is promptly refunded; a contract that does not comply is void and unenforceable. Source: Miss. Code Ann. 75-83-5(6), (7)
- Death of the member: Mississippi law requires health spa contracts to provide that on the member's death the estate is relieved of payments for services after death and any unused prepaid amount is promptly refunded to the representative; a contract that does not comply is void and unenforceable. Source: Miss. Code Ann. 75-83-5(6), (7)
If a business will not process a cancellation, you can complain to: Mississippi Attorney General, Consumer Protection Division
Leave blank to cancel immediately.
Check before you send:
- Add the member name exactly as it appears on the account.
- Add the business name.
- Add the business mailing address (from your contract or the business website).
Your letter
[Member name]
[Your address]
October 26, 2026
[Business name]
[Business address]
Re: Cancellation of membership
To whom it may concern:
I am writing to cancel my membership, effective immediately.
Please stop all further charges to my payment method, refund any amount paid for a period after the cancellation takes effect, and confirm the cancellation in writing, including the date it took effect.
Please keep this letter with the account records. I am keeping a copy, with proof of the date it was sent.
Sincerely,
[Member name]
Before you send (not part of the letter)
- Mississippi: Written notice counts as given if mailed or delivered by midnight of the fifth business day; the required contract notice tells buyers to mail it to the spa's address. (Miss. Code Ann. 75-83-5(3)-(4))
- Send it in a way you can prove: a method your contract or state law names, and keep a copy. Certified mail with a return receipt gives you a dated record.
- If charges continue after the cancellation takes effect, you can dispute them with your card issuer or bank (see the timing rules on this page).
- Complaints: Mississippi Attorney General, Consumer Protection Division, https://attorneygenerallynnfitch.com/divisions/consumer-protection/
- This letter is a starting point you edit and send yourself. It does not cancel anything by itself, and it is not legal advice.
Mississippi gym membership cancellation law
Mississippi regulates these contracts through Health Spas (Miss. Code Ann. Title 75, Chapter 83) (Miss. Code Ann. 75-83-1 to 75-83-15). The rules below come from the statute text; each links to its source, and the first line says which contracts the law covers.
Mississippi gym membership rules
The law: Health Spas (Miss. Code Ann. Title 75, Chapter 83). Read the law
Who it covers: The law covers for-profit establishments offering weight control, exercise or dieting services (reducing salons, spas, exercise gyms, health studios, health clubs), but not nonprofits such as the YMCA whose fitness role is incidental, self-defense schools, nonprofit schools and colleges, or any business that offers no contract longer than four months.
- Cooling-off period: You may cancel within five business days by written notice mailed or delivered by midnight of the fifth business day after purchase, and all money collected must be refunded. Source: Miss. Code Ann. 75-83-5(3)
- How the club must let you cancel: Written notice counts as given if mailed or delivered by midnight of the fifth business day; the required contract notice tells buyers to mail it to the spa's address. Source: Miss. Code Ann. 75-83-5(3)-(4)
- Disability or illness: Mississippi law requires health spa contracts to provide that if disability leaves you unable to receive the services, you are relieved of payments for services after the disability began and any unused prepaid amount is promptly refunded; a contract that does not comply is void and unenforceable. Source: Miss. Code Ann. 75-83-5(6), (7)
- Death of the member: Mississippi law requires health spa contracts to provide that on the member's death the estate is relieved of payments for services after death and any unused prepaid amount is promptly refunded to the representative; a contract that does not comply is void and unenforceable. Source: Miss. Code Ann. 75-83-5(6), (7)
If a business will not process a cancellation, you can complain to: Mississippi Attorney General, Consumer Protection Division
Mississippi subscription and automatic renewal law
Mississippi has no general automatic renewal law.
Mississippi subscription and auto-renewal rules
We found no general Mississippi automatic renewal statute. Your contract terms, federal law for online sign-ups, and general consumer protection law apply.
If a business will not process a cancellation, you can complain to: Mississippi Attorney General, Consumer Protection Division
Federal rules that still apply
No. The Federal Trade Commission finalized a "click to cancel" rule in 2024, but on July 8, 2025 the U.S. Court of Appeals for the Eighth Circuit vacated it because the agency skipped a preliminary regulatory analysis the FTC Act requires (Custom Communications, Inc. v. FTC, No. 24-3137 (8th Cir. 2025)). The vacatur brought back the original 1973 rule, which covers only "prenotification" plans such as product-of-the-month clubs, not gym memberships or most subscriptions.
In March 2026 the FTC asked for public comment on a new negative option rule. An advance notice is an early step: it does not create any new obligation for businesses. (FTC press release, March 11, 2026)
Federal law still reaches subscriptions sold online. For subscriptions sold online with automatic charges, federal law (ROSCA) requires clear disclosure of the terms, the consumer's express informed consent, and simple mechanisms to stop the recurring charges. (15 U.S.C. 8403). For gym memberships signed in person, the cancellation rules come from state law and your contract.
If they keep charging you
If a business keeps charging you after a cancellation took effect, you can dispute the charge with the company that issued your card or holds your account. For a credit card, a written billing-error notice must reach the card issuer, at the address it gives for billing errors, within 60 days after it sent the first statement showing the charge. (12 CFR 1026.13(b)) For a debit card or bank transfer, an oral or written error notice must reach the bank within 60 days after it sent the statement that first shows the charge. (12 CFR 1005.11(b)(1)(i))
For automatic debits from a bank account, you can also stop future payments. You can tell your bank to stop a preauthorized electronic payment from your account, orally or in writing, at least three business days before the payment is scheduled. If you call, the bank may require written confirmation within 14 days, and an unconfirmed oral stop order then lapses. (12 CFR 1005.10(c)(1)-(2))
Your copy of the cancellation letter and your proof of the date you sent it are the evidence for a dispute. The regulations define which errors these procedures cover and the card issuer or bank investigates, so send the dispute promptly and in writing.
You can also report a business that will not let you cancel to your state attorney general (each state page lists its complaint office), to the Federal Trade Commission, or, for a problem with a card or bank dispute, to the Consumer Financial Protection Bureau.
What this tool does not do
- It does not cancel anything for you or contact the business. You send the letter yourself.
- It cannot read your contract. A statute may exempt your club or plan (for example by price, length, or type of business), and your contract may give you more rights than the statute.
- It does not tell you whether you owe a fee, a buyout, or the rest of a contract term. Those depend on your contract and the facts.
- It covers state statutes and the main federal rules only. City rules and court decisions can add to them.
- It is legal information, not legal advice.
Frequently Asked Questions
Is there a cooling-off period for gym memberships in Mississippi?
You may cancel within five business days by written notice mailed or delivered by midnight of the fifth business day after purchase, and all money collected must be refunded. (Miss. Code Ann. 75-83-5(3))
Can I cancel my gym membership in Mississippi if I move?
We found no Mississippi statute that lets a gym member cancel because of a move. Your contract may allow it; read its cancellation section.
How do I cancel a gym membership in Mississippi?
Written notice counts as given if mailed or delivered by midnight of the fifth business day; the required contract notice tells buyers to mail it to the spa's address. (Miss. Code Ann. 75-83-5(3)-(4))
Does Mississippi have a click-to-cancel law?
We found no general Mississippi automatic renewal law. For subscriptions sold online, federal law (ROSCA) requires a simple way to stop recurring charges.
Sources
- Miss. Code Ann. 75-83-1 to 75-83-15
- Custom Communications, Inc. v. FTC, No. 24-3137 (8th Cir. 2025)
- FTC, Negative Option Rule ANPRM (2026)
- FTC press release, March 11, 2026
- 15 U.S.C. 8403
- 12 CFR 1026.13(b)
- 12 CFR 1005.11(b)(1)(i)
Mississippi rules checked against official sources on October 21, 2026.
Related
Know someone who could use this? Share this free tool: